)
Edge28 Nov 2025
Keeping the Streak Alive: The Story of Duolingo
How Duolingo made language learning addictive, scaled to millions of users, and built a powerful subscription business around everyday practice.
Lloyds Banking Group (LLOY) investor relations material
Lloyds Banking Group JPMorgan UK Leaders Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.JPMorgan UK Leaders Conference summary18 Nov, 2025
Macroeconomic and regulatory environment
Modest but positive UK GDP growth expected at 1.3% in 2025 and around 1% in 2026, with unemployment peaking near 5% and interest rates at 4%, possibly declining in 2026.
Asset quality remains resilient, with benign early warning indicators and stable arrears, supporting strong returns and capital generation.
Regulatory direction is positive, with ongoing reforms in conduct, prudential, and fiscal regimes, including FOSS reform and ring-fencing review.
The government and regulators emphasize a healthy banking sector to support UK economic growth.
A stable, predictable, and competitive tax regime is sought to enable growth sponsorship.
Strategic plan and transformation
2026 is a key year for strategic and financial delivery, with high confidence in meeting guidance and commitments.
Post-2026 strategy will extend current initiatives, complete data transformation, and introduce new customer propositions and capabilities.
Digital and AI transformation is central, with significant progress in mobile onboarding, cloud migration, and data center reduction.
Operating leverage, sustainable returns, and strong capital generation are expected to continue beyond 2026.
Cost management and efficiency
Cost discipline is a core imperative, targeting circa £9.7bn in 2025, with sub-inflation cost growth expected in 2026.
Three main cost drivers: investment-led savings (branch/property rationalization, tech), change saves (permanent workforce, India tech center), and BAU efficiencies.
Achieved £1.5bn gross cost saves since 2021, with AI expected to further enhance efficiency.
Sub-50% cost-income ratio targeted for 2026, with further improvements possible as AI scales.
Detail expected capital structure changes
Explain OOI ecosystem scalability
Quantify AI's impact on future cost savings
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Lloyds Banking Group earnings date
Q4 202518 Feb, 2026
Next Lloyds Banking Group earnings date
Q4 202518 Feb, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Lloyds Banking Group plc is a prominent UK-based financial services provider offering a broad range of banking and financial services. The company operates in three main segments: Retail, Commercial Banking, and Insurance, Pensions and Investments. The Retail segment caters to personal customers with products such as current accounts, savings, mortgages, motor finance, and credit cards. The Commercial Banking segment serves small and medium-sized enterprises, corporates, and institutions with services like lending, transactional banking, and risk management. The Insurance, Pensions, and Investments segment provides related financial products and services. Lloyds Banking Group manages various well-known brands including Lloyds Bank, Halifax, Bank of Scotland, and Scottish Widows, distributing its services through branches, ATMs, and digital platforms. The company is headquartered in London, England, and its shares are listed on the London Stock Exchange.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage